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Personal Finance

Complexity: 🟢 Beginner

Built on Agno and NeMo Agent Toolkit, this workflow is a personal financial planner that generates personalized financial plans using NVIDIA NIM (can be customized to use OpenAI models). It automates the process of researching, planning, and creating tailored budgets, investment strategies, and savings goals, empowering you to take control of your financial future with ease.

This personal financial planner was revised based on the Awesome-LLM-App GitHub repo's AI Personal Finance Planner sample.

Table of Contents

Key Features

  • Agno Framework Integration: Demonstrates seamless integration between the lightweight Agno multimodal agent library and NeMo Agent Toolkit for building sophisticated agent workflows with minimal overhead.
  • Personal Financial Planning Workflow: Creates personalized financial plans including budgets, investment strategies, and savings goals using NVIDIA NIM models with automated research and planning capabilities.
  • Multi-Framework Agent Architecture: Shows how to combine Agno's lightning-fast, model-agnostic capabilities with NeMo Agent Toolkit workflow management and tool integration system.
  • Automated Financial Research: Integrates SERP API for real-time financial data gathering and market research to inform personalized financial planning recommendations.
  • Docker-Ready Deployment: Provides complete containerization setup for deploying personal finance planning agents in production environments with API access.

Agno

Agno is a lightweight library for building multimodal agents. Some of the key features of Agno include lightning fast, model agnostic, multimodal, multi agent, etc. See Agno README here for more information about the library.

Prerequisites

Ensure that Docker is installed and the Docker service is running before proceeding.

  • Install Docker: Follow the official installation guide for your platform: Docker Installation Guide
  • Start Docker Service:
    • Linux: Runsudo systemctl start docker (ensure your user has permission to run Docker).
    • Mac & Windows: Docker Desktop should be running in the background.
  • Verify Docker Installation: Run the following command to verify that Docker is installed and running correctly:
docker info

Installation and Setup

If you have not already done so, follow the instructions in the Install Guide to create the development environment and install NeMo Agent Toolkit.

Install this Workflow:

From the root directory of the NeMo Agent Toolkit library, run the following commands:

uv pip install -e examples/frameworks/agno_personal_finance

Set Up API Keys

If you have not already done so, follow the Obtaining API Keys instructions to obtain an NVIDIA API key. This example also makes use of SerpApi to perform web searches, obtain a SerpApi key by going to https://serpapi.com/users/sign_up.

export NVIDIA_API_KEY=<YOUR_API_KEY>
export OPENAI_API_KEY=<YOUR_API_KEY>
export SERP_API_KEY=<YOUR_API_KEY>

Example Usage

Run the Workflow

Run the following command from the root of the NeMo Agent Toolkit repo to execute this workflow with the specified input:

nat run --config_file examples/frameworks/agno_personal_finance/configs/config.yml --input "My financial goal is to retire at age 60.  I am currently 40 years old, working as a Machine Learning engineer at NVIDIA."

Expected Workflow Output

2025-07-23 03:43:32,279 - nat.runtime.loader - WARNING - Loading module 'nat_plot_charts.register' from entry point 'nat_plot_charts' took a long time (473.043442 ms). Ensure all imports are inside your registered functions.
2025-07-23 03:43:32,455 - nat.runtime.loader - WARNING - Loading module 'nat_semantic_kernel_demo.register' from entry point 'nat_semantic_kernel_demo' took a long time (175.730944 ms). Ensure all imports are inside your registered functions.
2025-07-23 03:43:32,572 - nat.runtime.loader - WARNING - Loading module 'nat_alert_triage_agent.register' from entry point 'nat_alert_triage_agent' took a long time (117.298603 ms). Ensure all imports are inside your registered functions.
2025-07-23 03:43:32,786 - nat.cli.commands.start - INFO - Starting NeMo Agent Toolkit from config file: 'examples/frameworks/agno_personal_finance/configs/config.yml'
2025-07-23 03:43:32,788 - nat.cli.commands.start - WARNING - The front end type in the config file (fastapi) does not match the command name (console). Overwriting the config file front end.
2025-07-23 03:43:34,109 - nat.plugins.eval.profiler.decorators.framework_wrapper - INFO - Agno callback handler registered

Configuration Summary:
--------------------
Workflow Type: agno_personal_finance
Number of Functions: 1
Number of LLMs: 1
Number of Embedders: 0
Number of Memory: 0
Number of Retrievers: 0

2025-07-23 03:43:36,919 - nat.plugins.agno.tools.serp_api_tool - INFO - Searching SerpAPI with query: 'retirement planning strategies for early retirement at age 60', max_results: 5
INFO Searching Google for: retirement planning strategies for early retirement at age 60
2025-07-23 03:43:39,035 - nat.plugins.agno.tools.serp_api_tool - INFO - SerpAPI returned 4 results
2025-07-23 03:43:39,037 - nat.plugins.agno.tools.serp_api_tool - INFO - Searching SerpAPI with query: 'investment opportunities for tech professionals', max_results: 5
INFO Searching Google for: investment opportunities for tech professionals
2025-07-23 03:43:43,448 - nat.plugins.agno.tools.serp_api_tool - INFO - SerpAPI returned 5 results
2025-07-23 03:43:43,450 - nat.plugins.agno.tools.serp_api_tool - INFO - Searching SerpAPI with query: 'savings strategies for retirement at 60', max_results: 5
INFO Searching Google for: savings strategies for retirement at 60
2025-07-23 03:43:45,258 - nat.plugins.agno.tools.serp_api_tool - INFO - SerpAPI returned 4 results
2025-07-23 03:44:14,063 - nat.front_ends.console.console_front_end_plugin - INFO -
--------------------------------------------------
Workflow Result:
['### Personalized Financial Plan for Early Retirement at Age 60\n\n#### Overview\nYou are currently 40 years old and working as a Machine Learning engineer at NVIDIA, with a goal to retire at age 60. This gives you 20 years to prepare for retirement. Below is a structured financial plan that includes budgeting, investment strategies, and savings strategies tailored to your situation.\n\n---\n\n### 1. Financial Goals\n- **Retirement Age**: 60\n- **Time Horizon**: 20 years\n- **Desired Retirement Lifestyle**: Comfortable living, travel, and hobbies.\n\n### 2. Current Financial Situation\n- **Income**: As a Machine Learning engineer, your income is likely competitive within the tech industry. \n- **Expenses**: Assess your current monthly expenses to identify areas for savings.\n- **Savings**: Evaluate your current savings and retirement accounts (e.g., 401(k), RRSP, etc.).\n\n### 3. Suggested Budget\n- **Monthly Income**: Calculate your net monthly income after taxes.\n- **Expense Categories**:\n  - **Housing**: 25-30% of income\n  - **Utilities**: 5-10%\n  - **Groceries**: 10-15%\n  - **Transportation**: 10%\n  - **Savings/Investments**: 20-30%\n  - **Discretionary Spending**: 10-15%\n  \n**Example**: If your monthly income is $8,000:\n- Housing: $2,000\n- Utilities: $600\n- Groceries: $1,000\n- Transportation: $800\n- Savings/Investments: $2,400\n- Discretionary: $1,200\n\n### 4. Investment Strategies\nGiven your background in technology, consider the following investment opportunities:\n\n- **Tech Stocks**: Invest in high-performing tech stocks. For example, check out the [Best-Performing Tech Stocks for July 2025](https://www.nerdwallet.com/article/investing/best-performing-technology-stocks).\n- **ETFs and Mutual Funds**: Diversify your portfolio with technology-focused ETFs or mutual funds. Refer to [Ways to Invest in Tech](https://www.investopedia.com/ways-to-invest-in-tech-11745768).\n- **Retirement Accounts**: Maximize contributions to your 401(k) or RRSP, especially if your employer offers matching contributions.\n- **Alternative Investments**: Explore opportunities in startups or angel investments in the tech sector.\n\n### 5. Savings Strategies\nTo enhance your retirement savings, consider the following strategies:\n\n- **Start Early**: The earlier you start saving, the more your money can grow. Aim to save at least 20-30% of your income.\n- **Emergency Fund**: Maintain an emergency fund covering 3-6 months of living expenses.\n- **Debt Management**: Pay off high-interest debts as soon as possible to free up more funds for savings.\n- **Automate Savings**: Set up automatic transfers to your savings and investment accounts to ensure consistent contributions.\n- **Review and Adjust**: Regularly review your financial plan and adjust your savings rate as your income grows.\n\n### 6. Resources for Further Learning\n- **Retirement Planning**: [How to Achieve Early Retirement in Canada](https://nesbittburns.bmo.com/surconmahoneywealthmanagement/blog/693121-How-to-Achieve-Early-Retirement-in-Canada-Proven-Strategies-for-Financial-Independence) provides practical strategies for financial independence.\n- **Investment Insights**: [Technology Investments in 2025](https://wezom.com/blog/technology-investments-in-2025) offers insights into key investment areas in technology.\n- **Savings Tips**: [10 Tips to Help You Boost Your Retirement Savings](https://www.merrilledge.com/article/10-tips-to-help-you-boost-your-retirement-savings-whatever-your-age-ose) provides actionable advice for enhancing your savings.\n\n---\n\n### Conclusion\nBy following this personalized financial plan, you can work towards achieving your goal of retiring at age 60. Regularly review your progress, adjust your strategies as needed, and stay informed about market trends and investment opportunities. With discipline and planning, you can secure a comfortable retirement.']

Deployment-Oriented Setup

For a production deployment, use Docker:

Build the Docker Image

Prior to building the Docker image ensure that you have followed the steps in the Installation and Setup section, and you are currently in the NeMo Agent Toolkit virtual environment.

From the root directory of the NeMo Agent Toolkit repository, build the Docker image:

docker build --build-arg NAT_VERSION=$(python -m setuptools_scm) -t agno_personal_finance -f examples/frameworks/agno_personal_finance/Dockerfile .

Run the Docker Container

Deploy the container:

docker run -p 8000:8000 -e NVIDIA_API_KEY -e OPENAI_API_KEY -e SERP_API_KEY agno_personal_finance

Test the API

Use the following curl command to test the deployed API:

curl -X 'POST' \
  'http://localhost:8000/generate' \
  -H 'accept: application/json' \
  -H 'Content-Type: application/json' \
  -d '{"inputs": "My financial goal is to retire at age 60.  I am currently 40 years old, working as a Machine Learning engineer at NVIDIA."}'

Expected API Output

The API response should look like this:

{"value":"### Personalized Financial Plan for Early Retirement at Age 60\n\n#### **Current Situation**\n- **Age**: 40 years old\n- **Occupation**: Machine Learning Engineer at NVIDIA\n- **Goal**: Retire at age 60\n\n#### **Financial Goals**\n1. **Retirement Planning**: Accumulate sufficient wealth to maintain your lifestyle post-retirement.\n2. **Investment Growth**: Maximize returns through strategic investments.\n3. **Tax Efficiency**: Minimize tax liabilities to maximize savings.\n\n#### **Budgeting Strategy**\n- **Monthly Savings Goal**: Aim to save at least 20-25% of your monthly income. This can be adjusted based on your current expenses and lifestyle.\n- **Emergency Fund**: Maintain an emergency fund covering 6-12 months of living expenses to ensure financial security against unforeseen events.\n\n#### **Investment Plan**\n1. **Equity Compensation**: \n   - **Stock Options and RSUs**: As a tech professional, leverage your equity compensation. Consider diversifying these assets to reduce risk ([Retirement Roadmap](https://www.jyacwealth.com/blog/retirement-roadmap-advice-for-tech-industry-professionals)).\n   - **Maximize Stock Value**: Regularly review and adjust your stock portfolio to align with market conditions and personal risk tolerance.\n\n2. **Retirement Accounts**:\n   - **401(k) Contributions**: Maximize contributions to your 401(k) plan, especially if your employer offers matching contributions ([Investopedia](https://www.investopedia.com/retirement/top-retirement-savings-tips-55-to-64-year-olds/)).\n   - **IRA and Roth IRA**: Consider contributing to an IRA or Roth IRA for tax-advantaged growth ([Nasdaq](https://www.nasdaq.com/articles/want-retire-early-here-are-6-best-types-investments)).\n\n3. **Diversified Portfolio**:\n   - **Index Funds**: Invest in low-cost index funds for broad market exposure and long-term growth ([NerdWallet](https://www.nerdwallet.com/article/investing/early-retirement)).\n   - **Real Estate and Bonds**: Consider real estate investments and municipal bonds for additional income streams and diversification.\n\n#### **Savings Strategies**\n- **High-Income Earner Strategies**:\n  - **Tax-Deferred Accounts**: Utilize tax-deferred accounts to reduce taxable income.\n  - **Incorporation and Trusts**: Explore incorporation and family trusts for advanced tax strategies.\n\n#### **Tax Planning**\n- **RRSP Contributions**: If applicable, contribute to a Registered Retirement Savings Plan (RRSP) to lower taxable income.\n- **Charitable Donations**: Consider charitable donations for tax deductions and social impact.\n\n#### **Action Plan**\n1. **Review and Adjust**: Regularly review your financial plan and adjust based on changes in income, expenses, and market conditions.\n2. **Consult Professionals**: Engage with financial advisors to tailor strategies specific to your needs and to stay updated on tax laws and investment opportunities.\n3. **Education and Awareness**: Stay informed about financial trends and opportunities through continuous learning and professional advice.\n\nBy following this comprehensive financial plan, you can strategically work towards your goal of retiring at age 60 while ensuring financial security and growth."}